CARE Ratings Reaffirms Bank of Baroda's Tier II Bonds at CARE AAA; Stable
Reaffirmation of credit rating typically has a moderate impact as it reinforces existing perceptions of the company's creditworthiness.
The credit rating for Bank of Baroda's Tier II bonds has been reaffirmed at 'CARE AAA; Stable', indicating a high degree of safety and stability.
* CARE Ratings has reaffirmed its 'CARE AAA; Stable' rating for Bank of Baroda's Tier II bonds. * The reaffirmation factors in the majority ownership and expected support from the Government of India, the bank's established franchise, and its comfortable capitalization levels. * The rating also considers the bank's improved asset quality parameters with lower incremental slippages. * CARE Ratings expects the bank's advances to grow in line with the industry. * CARE Ratings has withdrawn ratings of ‘CARE AAA; Stable’ assigned to certain Tier II Bonds due to redemption of the bonds on due date and exercise of call option by the bank. * Key strengths include majority ownership by GoI (63.97% as of June 30, 2025), a long track record with a pan-India presence, and comfortable capitalization levels with a CAR of 17.61% as on June 30, 2025. * The bank's gross advances grew by 12.83% in FY25, with a focus on retail, agriculture, and MSME segments. * Net profit for Q1FY26 was ₹4,541 crore compared to ₹4,458 crore for Q1FY25. * The bank expects to maintain a slippage ratio of under 1% going forward.
What to do with a filing like this
Bank of Baroda filed this with the NSE as a statutory disclosure, categorised under credit ratings. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Bank of Baroda. Read the original for the full detail.